help!!! how to ask!?!?!

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aimeeq94

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hi guys, if you read my post last night, you would know i have just lost my loan pony and my mum is wanting me to look for another one on part loan.
however, [other previous posts available] me and my friend have worked out costss for full/permanent loan between us, and i can afford it on my wage, apart from insurance, which i was going to ask my mum to pay for (:
anyway, my question is, how do i ask my mum?
she knows i want one on part loan, but i dont know which way to go about it, either the..
Muuuuuuum way
or.... i dunno??
anybody want to help?
oh and if you want to PM me the costs you pay that would also be helpful...
oops, sorry got slightly long!
mince pies and sherry for you all :P:P
xxxxx
 
If you're going to loan - perhaps the pony's owner would maintain a policy for it? I know I do when I've loaned out in the past. I'd rather know my horse IS definitely insured when out on loan, rather than leaving it to the loaner to arrange and maintain. It's never been a problem with my insurance companies. I've just telephoned them, told them my horse is out on loan - They ask for the name and address of the loaner, and new livery address of the horse, and that's it. Maybe that would be a possibility for you?
 
Yes! Absolutely. It's their horse. Should the worst happen they will be the ones getting the payout from the insurance company.

Obviously you'd want to know whether the pony was going to be covered for veterinary costs. Important, as you would be responsible for those whilst you have the pony on loan. You'd certainly need to know what the excesses were on the policy, plus how much veterinary cover was provided - per incident or per year. Luckily none of my loaned out horses ever needed vet treatment for accident or illness during the times they were on loan, but I expect you'd be expected to pay your vet the excess and forward the bills to the insurance company for them to settle with the vet directly. That way the owner would have minimal involvement in the cost issues of treatment. Excesses are generally between £95 - £130, so you'd want to make sure you had this amount of money kept 'spare' just incase anything happened and you needed to get the vet out to your horse.

If you found the perfect horse and the owner was not prepared to get insurance to cover the vet costs, I'd think twice before continuing with the loan without that cover in place first. Maybe keep looking OR speak to your Mum. Insurance is about £25 - £30 per month when it includes vet cover, so that's the sort of amount your Mum would have to be prepared to cough up each month. If you think she might be up for it, ask! I find the direct approach works best. If worst comes to worst, and she says it's too expensive, then at least you know where you stand and that you have to keep looking until you find an owner willing to maintain the full insurance cover.
 
yes well, mum currently paid out £12.50 per week for loan and £30 every 8 weeks for shoes soo.. i think shed pay it, not sure if were going to go ahead tough
confused.gif

thanks for your help xxxxxxx
 
I think its the owners responsibility to pay the insurance for THEIR horse, you pay for what you use it for including shoes and vettings and stuff, but if it is THEIR horse and they want it insured then its their responsibility.

Hope it works out for you!
 
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